June 25, 2025

Why Make Bridging Difficult? How Somo Turns Adverse Credit into Opportunity

In the world of finance, traditional lending is often synonymous with complexity and delay. With mainstream lenders continuing to work with tighter lending restrictions, borrowers who don’t fit the standard lending criteria are left to seek out alternative lending options.

Adverse Credit Isn’t a Dead End

Missed payments, CCJs, defaults, even bankruptcy often trigger an automatic rejection from traditional lenders. But many of these borrowers still hold strong equity and valuable assets. That’s where Somo sees opportunity, not risk.

At Somo, we ask a different question: Why make bridging difficult?

Instead of letting credit scores dominate decision-making, we look at the deal in front of us. Is the security solid? Is the exit strategy sensible? If the answer is yes, then we’ll find a way to say yes too.

Valuation Only: Lending That Ignores the Past

Our Valuation Only product was built for real-world borrowers with imperfect histories. It allows us to lend based purely on the value of the security property,  not the borrower’s credit profile.

For experienced landlords managing multiple properties, we provide solutions that match their sophistication:

  • No proof of clean credit
  • No proof of income
  • No evidenced exit required

If the deal stacks up from a property perspective and the exit is sensible, we’ll find a way to make it work – fast.

Real Lending for Real People

We regularly help brokers place deals that have been turned down elsewhere. Whether it’s a self-employed applicant post-COVID or an entrepreneur coming out of a tough year, Valuation Only gives them a second chance and often their only one.

Make Somo Your First Call

Too often, we’re a last resort. But with flexible products like Valuation Only, Somo should be your first call when credit complications are in play.

We don’t make bridging difficult. We make it possible.

About Somo

Somo is a specialist bridging lender with over a decade of experience in providing bridging finance solutions. We specialise in First, Second and Equitable Charge loans and we offer a wide range of products tailored to fit the diverse needs of borrowers.

We’re constantly finding better ways of bridging by asking – why make bridging difficult? So whether you’re an expert or new to bridging, we make the process clear, fast, and hassle-free.

Visit Somo
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About Fiducia Commercial Network

Fiducia Commercial Network is a commercial finance ‘Appointed Representative’ network created to allow independent firms to provide commercial property finance and trading business finance options to their existing client base and network.

Joining the network provides opportunities for professional brokers to offer a full range of commercial finance solutions by acting as an Appointed Representative (AR) with the full support of the Fiducia Commercial Network team.

The Fiducia Commercial Network membership includes FCA authorisation and reporting, PI insurance, and NACFB membership, plus business, compliance, finance, system, and admin support from a company with over 20 years’ experience in commercial finance.

If you’d like to discuss joining Fiducia Commercial Network or you’d like to apply to become an Appointed Representative…

SPEAK TO OUR TEAM

 

To discuss Fiducia Commercial Network or to apply to become an Appointed Representative email the team via by clicking this link.

For all media and marketing enquiries contact –  pr@fiduciagroup.co.uk